Posts from November 2025 (5)

Team Ratings for Round 11

The basic method is described on my Department home page.
Here are the team ratings prior to this week’s games, along with the ratings at the start of the season.

Performance So Far

So far there have been 70 matches played, 55 of which were correctly predicted, a success rate of 78.6%.
Here are the predictions for last week’s games.

Predictions for Round 11

Here are the predictions for Round 11. The prediction is my estimated expected points difference with a positive margin being a win to the home team, and a negative margin a win to the away team.

Sometimes society or government faces a problem where not enough money is being spent on something.  Kiwis on average aren’t allocating enough money to retirement, or councils aren’t investing enough money on water infrastructure. In that scenario, you want to spend more money.  Kiwisaver was supposed to get people to save more. Making people save more was the initial effort of the “nudge” industry. No-one seems to really know how to make councils plan for water infrastructure,  but it would be nice if we could.

The housing industry is not like that. The problem with housing prices is not that we are spending too little on houses. We (collectively) are spending too much on houses. That’s why avocado toast is not a housing issue* — if abolishing avocado toast would increase total expenditure on housing, we’d be worse off, not better off.

This week, in the US, 50-year fixed mortgages have been proposed.  A 50-year mortage would increase the amount you could spend on a house for a given level of savings and income (at the cost of dramatically reducing its value as an investment). If the problem with housing were insufficient money being spent this might help, but that’s not the problem.  A change in financing that lets people bid more for houses doesn’t help.  Like abolishing avocado toast, extending mortgage terms is trying to solve the wrong problem.  Unlike abolishing avocado toast, it might have a real effect on the market.

* and because the basic arithmetic doesn’t make sense, but that’s a different post

Team Ratings for Postponed Games

I missed predicting the postponed game last week. The result of that game means some fairly small adjustments to the ratings for Toulon and Stade Rochelais. For completeness here is my prediction for the postponed game, following the updated predictions for Round 10.
The basic method is described on my Department home page.
Here are the team ratings prior to this week’s games, along with the ratings at the start of the season.

Performance So Far

So far there have been 62 matches played, 49 of which were correctly predicted, a success rate of 79%.
Here are the predictions for last week’s games.

Predictions for Postponed Games

Here are the predictions for Postponed Games. The prediction is my estimated expected points difference with a positive margin being a win to the home team, and a negative margin a win to the away team.

Team Ratings for Round 10

The basic method is described on my Department home page.
Here are the team ratings prior to this week’s games, along with the ratings at the start of the season.

Performance So Far

So far there have been 63 matches played, 50 of which were correctly predicted, a success rate of 79.4%.
Here are the predictions for last week’s games.

Predictions for Round 10

Here are the predictions for Round 10. The prediction is my estimated expected points difference with a positive margin being a win to the home team, and a negative margin a win to the away team.

Team Ratings for Round 10

The basic method is described on my Department home page.
Here are the team ratings prior to this week’s games, along with the ratings at the start of the season.

Performance So Far

So far there have been 63 matches played, 49 of which were correctly predicted, a success rate of 77.8%.
Here are the predictions for last week’s games.

Predictions for Round 10

Here are the predictions for Round 10. The prediction is my estimated expected points difference with a positive margin being a win to the home team, and a negative margin a win to the away team.